If you’re looking for a short-term investment, Community Bank also offers a 4-month CD that pays 1.00% APY. That requires a hefty $5,000 minimum deposit.

Still, the 4-month deal beats the best nationally available 6-month CD by more than a tenth of a percentage point.

These certificates of deposit must be purchased at one of the bank’s 10 branches located in the Maryland communities of Bryans Road, Charlotte Hall, Dunkirk, La Plata, Leonardtown, California, Lusby, Prince Fredrick and Waldorf.

You must also live in one of the three counties that Community Bank of Tri-County (www.cbtc.com) serves — St. Mary’s, Charles and Calvert.

If you live nearby but don’t qualify for Community Bank’s CD rates, check out the great CD rates from Hew Federal Credit Union. It’s open to anyone who lives in Washington, D.C., or Prince George’s and Montgomery counties in Maryland.

Minimum deposits vary, but it offers:

1.15% APY on 12-month CDs.

1.75% APY on 24-month CDs.

1.81% APY on 36-month CDs.

2.52% APY on 60-month CDs.

See how these returns compare with the best CD rates from scores of other banks in our database.